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Risk: Very Low

Steele County, MN Environment & Hazard Risk

Very Low natural hazard risk, led by strong wind. 373 storm events since 1996.

Expected yearly loss
$21.6M
Relatively Low nationally
Storm events since 1996
373
Most often winter storm
Flood insurance policies
66
0.4% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 37.2 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Very High

Score 98.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $13.8B · Agriculture value exposed: $324M · Risk-adjusted yearly loss: $12.2M

Risk by hazard

  • Strong windRelatively Moderate$2.4M/yr expected annual loss, about 4.1 events a year
  • HailRelatively Moderate$1.4M/yr expected annual loss, about 5.1 events a year
  • TornadoRelatively Moderate$4.8M/yr expected annual loss, about once every 3 years
  • DroughtRelatively Moderate$696K/yr expected annual loss, about 14 events a year
  • Cold waveRelatively Low$2.1M/yr expected annual loss, about 10 events a year
  • Winter weatherRelatively Low$95.7K/yr expected annual loss, about 20 events a year
  • LandslideVery Low$636/yr expected annual loss, about once every 19 years
  • Heat waveVery Low$188K/yr expected annual loss, about 4.2 events a year
  • LightningVery Low$128K/yr expected annual loss, about 38 events a year
  • Ice stormVery Low$24.8K/yr expected annual loss, about once every 2 years
  • WildfireVery Low$6,097/yr expected annual loss, about once every 14,166 years
  • EarthquakeVery Low$17.2K/yr expected annual loss, about once every 2,941 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
66 of 17,759 (0.4%)
Homes in high-risk flood zones
168
Insured in high-risk zones
47 (28%)
Flood claims since 1978
90
Claims paid since 1978
$2M

Flood claims paid per year

Flood claims paid per year in Steele County
Beta
  • June Midwest Flooding$75.6K · 2 claims

Storm history

Since 1996: 373 events, 0 deaths, $56.2M in damage

  • Winter Storm70
  • Hail67
  • Thunderstorm Wind64
  • Blizzard22
  • Flash Flood21
  • High Wind16
  • Tornado16
  • Heavy Snow16
  • Winter Weather14
  • Extreme Cold/Wind Chill14
Beta

Events per year

Storm events per year in Steele County
15
13
12
21
6
5
9
22
6
10
12
11
15
9
14
14
9
11
18
12
Beta

28 tornadoes on record (EF0 6, EF1 3, EF2 2, EF3 1, F0 7, F1 6, F3 2, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood09/23/2010

    Ellendale, Steele County

    $28.4M damage

    What happened

    Numerous roads were closed due to excessive rainfall that fell on September 22nd and 23th. The major areal flooding didn't recede until late Saturday when most of the small streams and creeks had crested and only mainstem rivers remained flooded. Residents in Owatonna, Minnesota, were fighting to save their homes along the flooded Maple Creek. 70 homes were evacuated in Owatonna due to the rising flood waters. Friday morning was the first time that I-35 was closed due to flood waters south of Owatonna. It re-opened during the afternoon as waters started to recede.

  • Flood09/15/2004

    Steele

    $13.2M damage

    What happened

    Five to 13 inches of rain fell across South Central Minnesota between 5 PM on the 14th and 5 AM on the 15th. This amount of rainfall caused widespread major flooding in Freeborn, Steele, Faribault, and Martin counties. Over $6 million dollars in property damage and nearly $22 million dollars in crop damage were attributed to high water in these counties. Areas of minor flooding were also reported in southern Waseca and Goodhue counties.In Freeborn County $2.1 million in property damage was reported. FEMA reported 1 home was destroyed by flood waters, major flood damage to 13 homes, minor damage to 84 homes, and 292 homes affected by flood waters across the county. The hardest hit areas were Albert Lea, Hollandale, Riceland Township, and Shell Rock Township where numerous county roads, fields, waterways, and low lying areas were underwater for up to 4 days. Road crews had to repair several road washouts after flood waters subsided. Significant flooding was reported on the Shell Rock River and Turtle Creek in addition to Fountain Lake and Albert Lea Lake. An earthen dam had to be built around the village of Hollandale to save the community from Turtle Creek's flood waters. Two...

  • Thunderstorm Wind70 kt wind05/19/1996

    Owatonna, Steele County

    $5M damage

    What happened

    Sheds and barn blown down. 2 farms completely destroyed near Hope and Ellendale. Estimated wind speed. Damage estimate for entire county.

  • Flash Flood10/01/2007

    Owatonna, Steele County

    $3M damage

    What happened

    Three to five inches of rain fell over Owatonna, resulting in flooding of roads, homes and businesses. A city storm sewer also backed up, causing basements to flood in about 40 homes. This event began September 30, 2007 at 2200 CST (see September 2007 Storm Data).

  • Flash Flood08/19/2007

    Owatonna, Steele County

    $2.5M damage

    What happened

    A Presidential Disaster Declaration was signed for Steele County in the wake of major flooding and damage. Large areas of Owatonna were reported under two to three feet of water. Water completely covered a few roads, and was above car doors in some areas. Maple Creek at Dartt's Park was reported three times as wide as normal, and spread out into the parking lot. Some basement walls were reported to have collapsed. Two hotels in Owatonna were evacuated. The Steele County emergency manager reported 274 homes and 8 businesses were damaged. Seven homes were considered destroyed. The cooperative observer in Owatonna measured 6.47 inches as of 0700 CST August 19. Some information provided by the Owatonna People's Press newspaper.

  • Flood06/18/2014

    Owatonna Arpt, Steele County

    $2.4M damage

    What happened

    Flood waters from the Straight River impacted businesses in Owatonna.

Drinking water

7 community water systems serve about 30,780 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • OwatonnaServes 26,430 · Groundwater · Local governmentNo health violations
  • Blooming PrairieServes 1,987 · Groundwater · Local governmentNo health violations
  • MedfordServes 1,200 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • EllendaleServes 636 · Groundwater · Local governmentNo health violations
  • Lazy U CommunityServes 426 · Groundwater · PrivateNo health violations
  • Thompson OaksServes 51 · Groundwater · Private8 health violations+3 monitoring or reporting
  • Hope Water CooperativeServes 50 · Groundwater · PrivateNo health violations+1 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 13 toxic release facilities in Steele County

Superfund sites

None in this county.

Toxic release facilities

Total: 248,716 lbs in 2024, 248,415 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk9 historic places

Frequently asked questions

How risky is Steele County for natural disasters?
FEMA rates Steele County very low for overall natural hazard risk, with expected losses of $21.6M a year. The highest-rated hazards are strong wind (relatively moderate), hail (relatively moderate), tornado (relatively moderate).
What storms are most common in Steele County?
Since 1996, NOAA recorded 373 storm events affecting Steele County, most often winter storm (70), hail (67), thunderstorm wind (64).
How many tornadoes have hit Steele County?
28 tornadoes have been recorded in Steele County since 1950, including 4 rated F3/EF3 or stronger.
How many homes in Steele County have flood insurance?
66 residential flood insurance policies are in force in Steele County, covering about 0.4% of homes. The program has paid $2M on 90 claims here since 1978.
What is the weather like in Steele County?
At Owatonna, average highs reach 82°F in Jul and lows fall to 5°F in Jan, with 35.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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